Art and collectibles insurance

Art and collectibles are not always automatically insured. But most insurers will allow you to add these items to your homeowners, renters, condo, or manufactured home policy. Typically, you'd just have to contact your insurer, provide detailed descriptions, color photos, and possibly appraisals to insure them to the full value.

How to fully insure your art and collectibles

Sometimes your homeowners, renters, condo, or manufactured home policy will automatically cover your items' full value, but that all depends on how much your pieces are worth and the type of the loss. Long story short: If you want to be sure your art and collectibles are fully insured, you need to add them to your policy.

This is called scheduling an item or adding a rider. It's really just like listing a special one-off item on your policy, although not all insurers will offer this option.

Non-Progressive customers

Current Progressive customers

Call 866-749-7436 and tell a representative how much your piece(s) are worth (an appraisal may be required for items over a certain value). We'll let you know if your item can be added to your policy or if you'll need to cover it with a separate, specialized policy.

Art and collectibles insurance cost

This insurance is normally affordable. It generally only costs 1% to 2% of the individual piece you're insuring. So, a $10,000 piece will cost about $100-$200/year to insure. If you want an exact price, just go ahead and get a quote or contact your insurance company.

Coverages for your art and collectibles

What's covered

Theft

Damage

Your insurance covers both total and partial damage. For example, you're typically covered if your painting is destroyed in a fire or if there's only partial damage from exposure to smoke.

Loss and disappearance

Even if you simply forgot where you left something, you're generally covered for scheduled items.

Examples of art and collectibles

Paintings

Statues and sculptures

Stamp or coin collections

What's not covered

Wear and tear

Art or collectibles that simply deteriorate over time will not be covered. For example: A collection of vintage baseball cards that are smudged or frayed. Instead, something unexpected must happen (such as theft or a fire damaging your art or collectibles).

Art displayed outside your home

If you're displaying art in galleries or loaning it out, it's usually not covered by insurance.

Very expensive items

Most insurance companies have a maximum limit they'll insure. This limit can vary and may depend on your policy's coverage amounts. If you have items worth more than the max insured amount, you'll need a completely separate policy.

How your insurance works and how you can get paid

If your art or collectibles are damaged or stolen, just file a claim with your insurance company. If it's covered, your insurer will reimburse you for the cost of repair—or if lost or stolen, for the cost of replacement based on your insurer's valuation.

Please note: The above content is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for, nor do we endorse or approve, the content of any third party sites linked from this page. Access to such sites is being provided for informational purposes only.

Progressive Home Advantage® policies are placed through Progressive Specialty Insurance Agency, Inc. with affiliated and third-party insurers who are solely responsible for claims, and pay PSIA commission for policies sold. Prices, coverages, privacy policies, and PSIA's commission vary among these insurers. How you buy (phone, online, mobile, or independent agent/broker) determines which insurers are available to you. A quote from one of the insurers can be provided through this site. Click here for a quote from other insurers or here for more information about PSIA's commission. Discounts not available in all states and situations.